charemme

Good day Mr Mickey!! Oic... so does the same works for bank loan? I guess not right.. I didnt think so much for the HDB cuz i dun think i will stay on another 20 yrs

helo rainbowgal, any particular reason why you opt for bank loan instead of HDB loan? Any benefits over HDB loan?

haha.. i like the topic in KOPITIAM today!

seems like friends is easier to ask than own siblings hor

cuz online can fetch a much higher price mah than 2nd-hand handbag shop they will pay you $400 for a LV bag, and resell for $1000+

Im stuck at Stage 2, earning and savings and at the same time even financing a reno loan is there another way to increase income? Mickey, your post too chim.. dun quite understand the part on interest rebate.... we do have rebate from our HDB loan?

eh.. if you got go europe.. u buy LV lagi worth lor.. no need to wait, the value already appreciate the moment you land in SG tio boh?

Hi zhiz, manage to resolve the marks issue? I notice the same for my bathroom fitting from heritage.. even before i move in and use it

no its my friend lah... She just grab 1 LV bag like 2 yrs ago.. that time just launch.. so she pay about $1200 than over yr, she only carry for 2 times.. impulsive buy when she want to sell it off.. the retail price is so much higher + its out of stock every where so even sell 2nd hand price also higher than her purchase price or even same so machiam, like she use the bag for free

wahahaha... LV selective model eh.. Yes! rolex will appreciate over time ? is it the same for all model?

yes lah u will see... paper value on statement. but see no touch nia...

I would definitely discourage using your cash to pay for your housing loan. just make use your cpf money to pay since i dun think we are able to get withdraw them in the foreseeable future....haha Quite pathetic isnt it... work n work n work.. end up we cant even encash the $$ from CPF Rondy so in your views, what else are consider assets?

So whats your plan? Share share ley... I love to listen to all these stuffs... I already crown my buddy MIL as my idol liao

haha... i mean own family mah.. my sis got car.. but i also never ask lah.. cuz my BIL also never offer so suan le, depend on myself better

eh depends what kind of investment you refering to.. Eh I think if possible, if the surplus amount in the CPF is substantial enuff to get a pte property, then i would opt for that and use the pte property to rent out for income while i continue to stay in a hdb. Same like kopi, i wouldnt opt to use cash to pay off HDB loan

muahahaha... i cant even remember its $849 or $898... i know its within $900 no cash top-up. Yes, infact HDB lease is 5rm, but in actual it is a Jumbo unit. previously when market is blooming, the price exceed 400k (cant sell that time cuz bonded by HDB policy, if not will have sold immediately) the best is I go HDB to change the payment ratio, my CPF deduct $700, hb cpf deduct balance.. so he have more cash in CPF believe will be doing the same for the next house, cuz i wont be able to encash my CPF when i reach retirement while he can. Yup, cheaper house maybe will be a smaller or actually for me any affordable value house is also ok, as long as no cash top up involved and have a resale value. Hey, your maths so good, help me calculate ley.. if i sold off @$400k in another 2.5yrs time, what will be the sales proceed balance?

oh cuz i think mark lee that kind than is call Skinny.. like pai ku

wahaha, hopefully lah

Mine is HDB 5rm bought at $242k 2.5 yrs ago. Took HDB loan for $212k and 30yrs loan. Repayment amount is $898 per month via CPF, no cash involved. Intended to sell in another 2.5yrs provided IF property market is blooming at that time say maybe can fetch $400k? Then get another cheaper unit or maybe BTO, use the sales proceed for other investment Tenatively is like that

wahahaha... Angel, that is shiok only when the wifey can really cook eh?!

hehe... yesterday no fridge again and no time so i use left over luncheon meat to make omelette + I jia liao... honey roasted chix wings

arh.. oh yah hor he like that call skinny ar? Than Mark lee is what?! Somemore he growing again ley

I also feel at this moment, singtel connection is faster than starhub. I have switch my hp + broadband to singtel Mio plan only SCV remains, cuz i dunno how mio tv works

How u know he skinny? He is not skinny at all... Hahaha... aiyo if i know.. I would have ask earlier liao.. not need go do accuputure cuz arm pain from all the cleaning and carrying liao! Now most of thing i need already moved over, than my mover coming on sat liao.. so no need trouble u.. u just come n see the curtain can liao..

thanks for all the advise yesterday.. but i think must be either my brand of rice or cooker 1 cup abit different from cooking 5 cups. I fill water up till only the mark for 1 cup, use hand to measure the water only cover my finger nails (palm flat) rice turn out ok, but still not what i want.. So means my ah lao will be eating rice again for the rest of the week... muahahahahaah!